Mortgage Closing Manager

About the role

We’re looking for someone who can grow with the organization. This role starts as a hands-on operational leader helping us build our in-house closing function but will see significant long-term growth opportunity as we scale.

Responsibilities

• Build and help implement Rosegate’s in-house closing process as we transition to producing our own closing documents.
• Design workflows for pre-closing, Closing Disclosure balancing, closing coordination, and handoff to funding/post-closing.
• Establish roles, responsibilities, service levels, and quality expectations across the closing function.
• Identify process gaps, risks, and bottlenecks and recommend practical solutions.
• Partner with operations leadership to create a scalable closing structure that supports future volume growth.
• Support implementation of our LOS as it relates to closing workflow, document generation, CD balancing, and operational controls.
• Test closing-related workflows, validate outputs, and identify improvement opportunities prior to go-live.
• Create procedures, job aids, and workflow documentation tied to the closing process.
• Work cross-functionally with operations, underwriting, disclosures, and post-closing to ensure a smooth transition to the future-state model.
• Oversee or directly manage the preparation and balancing of Closing Disclosures in compliance with TRID requirements.
• Coordinate with settlement agents, attorneys, title companies, and internal teams to validate fees, credits, escrows, payoffs, and cash to close.
• Ensure loans are fully ready to close and that all pre-closing conditions have been satisfied.
• Review closing packages for accuracy, completeness, and compliance.
• Manage final closing changes, redisclosures, and issue resolution to keep loans on track.
• Oversee funding coordination to ensure timely and accurate loan funding.
• Manage post-closing processes including trailing documents, collateral tracking, document corrections, and final file completion.
• Ensure closed loans are purchase-ready and delivered to investors within required timelines.
• Coordinate with investors, custodians, warehouse banks, and internal teams to resolve post-closing or purchase suspense conditions.
• Maintain quality control measures to ensure accuracy and completeness of loan files prior to investor sale.
• Monitor warehouse line utilization, funding activity, paydowns, and collateral movement.
• Manage warehouse aging reports and ensure timely purchase of loans to minimize interest expense and line exposure.
• Coordinate with finance, treasury, investors, and warehouse banks to manage funding deadlines and wire activity.
• Develop controls and reporting around warehouse capacity, funding reconciliation, and investor purchase timelines.
• Identify and escalate operational or funding risks that could impact liquidity or investor delivery performance.
• Help hire, train, and develop the closing team as the function grows.
• Provide day-to-day leadership, coaching, and workflow guidance to closers and pre-closers.
• Partner with operations leadership on staffing plans, capacity needs, and team structure.
• Manage the closing pipeline to ensure timely closings aligned with lock expirations, contract dates, and funding timelines.
• Track key milestones and proactively address issues that could delay closing.
• Improve visibility into late-stage loan movement, escalations, and operational risk.
• Maintain strong communication with processors, loan officers, disclosures, underwriting, and funding teams to ensure smooth handoffs.

Requirements

• 5+ years of mortgage closing experience, with strong knowledge of Closing Disclosures, balancing, and closing coordination.
• Prior experience helping build, improve, or stand up a closing or post-closing function.
• Experience working through LOS implementation, workflow change, or operational transformation is strongly preferred.
• Strong understanding of TRID, Closing Disclosures, tolerance requirements, and closing compliance expectations.
• Experience balancing CDs with settlement agents, attorneys, or title companies.
• Working knowledge of warehouse line management, investor delivery, collateral tracking, and loan purchase processes preferred.
• Leadership experience, whether as a manager, team lead, or subject matter expert guiding others through process change.
• Strong problem-solving skills and the ability to operate both strategically and hands-on.
• Exceptional communication, organization, and attention to detail.
• Proficiency in Microsoft Word, Excel, and general office tools.
• Experience with funding or post-closing processes is a plus.